Terms

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Our Terms and Conditions

This page contains important information concerning our terms and conditions of your usage of the connecting platform loansangel.com. We encourage you to read it carefully and revisit this section once in a while because we have the right to modify and update the present Terms as we see fit. We also recommend that you read other sections of our website, such as the Privacy Policy.

Please bear in mind that as soon as you start using loansangel.com, you admit that you agree to our Terms and Privacy Policy and ready to abide by them. If you disagree with these Terms of Use, do not access our website in the first place.

1. Usage Restrictions

Foreigners and minors cannot use our platform and we do not deliberately collect any data from them. To access our website, you must be at least 18 years, have a steady source of income and be a legal resident of the United States.

2. What Services We Render

The purpose of loansangel.com is to give you a quick access to a network of trustworthy lenders. We are not lenders ourselves, we are a free-of-charge platform that allows you to submit a funding request and get connected with a financial provider. We do not lend money, we do not participate in your communication with a lender and we do not represent or promote services of any particular lender. You are under no obligation to use our website, submit your personal details or agree to a loan offer made by a third-party lender.

All the questions regarding your loan approval, agreement, fees, APR and other conditions should be addressed to your lender as we ourselves are not involved in the lending process. We will not be liable for any damages, costs or misunderstanding that may arise from the communication between you and your lender.

When you sign up, you acknowledge that you know our Terms of Use. You are aware that you need to enter some of your personal information to get access to our network of lenders. You understand that we may share this information with them and that they, in their turn, may also use it. Our policy of data management is clearly expressed in the section for Privacy Policy. By using loansangel.com, you consent to our Privacy Policy. You also consent to use our website only for its direct purposes and in full accordance with our terms and the US legislation.

Note that some lenders may verify your personal information to see your eligibility. They may address national databases and credit reporting agencies with such requests. Some of these inquiries may affect your credit score.

3. Intellectual Property Rights

Our website, its logo, trademark, software, content and other materials are protected by the US copyright laws. By giving you access to our website we DO NOT delegate our intellectual property rights to you. Any reproduction, sale, copy or other misuse of loansangel.com without our written permission is a violation of our rights.

4. Marketing Practices

The page for Marketing Practices explains our views on marketing and its principles. By accessing loansangel.com, you confirm that you agree to our practices and that we and our third party partners may reach out to you via contacts you specified.

5. Links Provided by Third Parties

When browsing our website, you may come upon links to third parties’ websites. All these links are given to you only as a reference. You click them on your own will. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms and practices as their management is beyond our responsibility and control.

6. Dealing with Third Parties

You communicate and make deals with third parties at your own volition and risk, and we won’t be liable for these dealings and their outcomes.

7. E-Consent

E-Consent is an electronic signature of yours. By clicking links like “Submit”, “I Agree”, “E-Sign”, “Consent”, etc. you give your electronic signature. You also consent that you are able to communicate with us and third parties electronically.

8. Disputes Solving and Class Action Waiver

ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND loansangel.com SHALL BE RESOLVED THROUGH ARBITRATION ONLY. BY ACCESSING loansangel.com YOU ADMIT THAT YOU AGREE TO SOLVE ANY DISPUTE THROUGH ARBITRATION. YOU ALSO AGREE THAT TO WAIVE YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT.

9. Indemnification

If you choose to use loansangel.com, you confirm that you agree to indemnify loansangel.com and its parental company together with any subsidiaries and affiliates. You agree that we won’t be responsible for any damages, costs and misunderstanding that may arise through your use of our website.

10. Violations

If you violate our Terms of Use, we reserve the right to terminate your account without notice and remove any content or materials you submitted to our website.

11. Severability

The provisions stated in the present Terms of Use won’t сease to be in force even if we don’t manage to fulfil one of their provisions. If one or several provisions of the Terms contradict the law, the remaining provisions still will be valid and the contradicting ones will be severed.

12. Modifications and Updates

We encourage you to read this information carefully and revisit this section once in a while as we have the right to modify and update the present Terms as we see fit without prior notice. If some changes or updates take place, we may notify you about them by email or through an announcement posted on our website.

13. How You Can Contact Us

If there is something you would like to discuss with us, please, send us a message via our contact form.

loansangel.com IS NOT A LENDER AND IS NOT INVOLVED IN THE LENDING PROCESS. THE WEBSITE FUNCTIONS AS A FREE ONLINE PLATFORM THAT ESTABLISHES A CONNECTION BETWEEN A USER AND A LENDER. LENDERS ON THIS PLATFORM MAY OFFER PERSONAL LOANS FROM $100 TO $5000. WE DO NOT PROMOTE OR REPRESENT PARTICULAR LENDERS; HENCE, WE DO NOT HAVE ANY CONTROL OVER LENDERS. THEIR OFFERS, TERMS, ACTIONS AND INACTIONS ARE BEYOND OUR RESPONSIBILITY. WE DO NOT GUARANTEE THAT YOU WILL BE CONTACTED BY A LENDER OR THAT YOU WILL BE SATISFIED WITH TERMS AND CONDITIONS OF A LOAN OFFER MADE TO YOU BY ONE OF THE LENDERS. WE ALSO DO NOT ENCOURAGE YOU TO AGREE TO THESE OFFERS. CONCLUDING A LOAN AGREEMENT WITH A LENDER AND GIVING YOUR E-SIGNATURE TO A DEAL IS YOUR DECISION AND YOUR RESPONSIBILITY. loansangel.com MAY NOT BE AVAILABLE IN ALL STATES AND ITS AVAILABILITY IS SUBJECT TO CHANGE.

ALL THE INFORMATION YOU CAN FIND ON loansangel.com IS GIVEN “AS IS” AND IS SUBJECT TO CHANGE. YOU ACCESS IT VOLUNTARILY AND AT YOUR OWN RISK.

WE RESERVE THE RIGHT TO SHARE YOUR PERSONAL INFORMATION WITH OUR PARTNERS, AFFILIATES, PARTICIPATING LENDERS IN ACCORDANCE WITH OUR MARKETING PRACTICES AND PRIVACY POLICY.

OUR VIEWS, GOALS, POLICY, TERMS AND CONDITIONS ARE CLEARLY EXPRESSED IN THE CORRESPONDING SECTIONS OF THIS WEBSITE. BY ACCESSING AND USING loansangel.com YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THEM. WE ALSO RESERVE THE RIGHT TO MODIFY THEM WHEN WE FIND RELEVANT TO DO IT WITHOUT NOTIFICATION.

Сredit Check:

YOU UNDERSTAND THAT SOME LENDERS MAY CHECK YOUR PERSONAL INFORMATION AND REVIEW YOUR CREDIT WORTHINESS. THEY MAY TURN TO NATIONAL DATABASES AND CREDIT REPORTING AGENCIES. SOME OF THESE INQUIRIES MAY AFFECT YOUR CREDIT SCORE.

NOTE THAT THE AMOUNT THAT A LENDER MAY OFFER ALSO DEPENDS ON LOCAL REGULATIONS AS LEGISLATION OF SOME STATES LIMITS LENDING TERMS AND CONDITIONS.

Consumer Notice:

PERSONAL LOANS ARE LOANS. THEY ARE NOT DESIGNED FOR DEALING WITH EXTENSIVE FINANCIAL DIFFICULTIES. IF HANDLED POORLY, THEY MAY TRANSFORM INTO A RATHER EXPENSIVE CREDIT OPTION. IF YOU EXPERIENCE SERIOUS BUDGET DIFFICULTIES, CONSULT CREDIT PROFESSIONALS FIRST. YOU ARE UNDER NO OBLIGATION TO USE OUR SERVICES.